United India Family Medicare Plan for Maternity

United India Family Medicare Plan for pregnancy gives special consideration to women. Most of its health policies provide coverage for women. One of them is the family plan for Medicare. This policy covers women and the family members of those women for a single sum insured.

  • A type of medical insurance called “maternity insurance” covers all expenses related to pregnancy, including those related to vaginal and cesarean deliveries.

  • Some insurance providers offer maternity insurance policies that cover pregnancies along with prenatal and postnatal costs as well as newborn baby costs.

  • Additionally, some businesses give their female employees the option of adding maternity insurance as a rider or in addition to their best health insurance plan.

  • In India, there is a waiting period that ranges from 9 months to 6 years for all maternity insurance plans.

  • The insured women are not permitted to submit any claims for pregnancy-related costs during this time.

As a result, it is advised that women choose maternity insurance coverage for at least a few years before they intend to have children. Additionally, before choosing a maternity cover, they must check the waiting period for maternity insurance because it differs from plan to plan.


  • The Sum Insured consists of up to Rs. 5 lakh and from Rs. 5 lakh to Rs. 10 lakh in multiples of Rs. 50,000, up to Rs. 1 lakh.

  • Hospitalization without payment in prestigious network facilities

  • The insurance can be perpetually renewed with no hassle.

  • After three years without a claim, there is a 3% no-claim discount.

  • The capability to increase the sum insured when renewing the policy

  • Reimbursement for a health examination once every three consecutive years

  • For certain medical conditions, remote medical second opinion


  • According to Section 80 D of the Income Tax Act, premium payments are tax-exempt.

  • Maximum claim discount: 3% (first 3 years) – 15% (after additional claim-free years).

  • More than 7000 hospitals across India offer cashless and reimbursement services.

  • Subject to ongoing policy renewal, one is entitled to a free medical examination after three claim-free years. This is restricted to 1% of the sum assured over the course of the three years.

  • There is a free look period of up to 15 days prior to the initial policy start date.

  • Costs associated with inpatient care

  • Healthcare costs both before and after admission to the hospital

  • Ayurvedic, homeopathic, and unani medicine-based treatments

  • Modern medical techniques and technological advancement

  • Organ donor costs are covered.

United India Family Medicare Plan coverage

Ambulance coverage and daily cash allowance coverage are optional extras that can be added on twice during the policy period for additional premiums.

  • Treatment with Ayurveda in a Government Hospital

  • Surgery for a cataract up to 10% of SI, or a maximum of Rs. 25,000

  • Up to 15% of SI, or a maximum of Rs. 30,000, for hernia

  • Hysterectomy at a maximum of Rs. 50,000 or 20% of SI

  • The following is a list of hospitalization expenses (for a minimum of 24 hours) that are covered by the plan:
    •           Expenses for lodging, boarding, and nursing
    •           ICU coverage of 2% or less of SI daily

Inclusions of Maternity Insurance Plans

The following benefits are included in maternity insurance plans:

  • Delivery and labor costs

  • C-section birth

  • Expenses associated with inpatient care

  • Cost of prenatal or postnatal care

  • Cost of a newborn

  • Costs associated with terminations due to illness

  • The cost of vaccinating the child

  • Difficulties during pregnancy

  • Preservation of stem cells


The costs listed below are not covered by maternity insurance:

  • Ectopic conception

  • IVF procedure

  • Stem cell collection

  • Prior-hospitalization costs

  • Cost of hospitalization following

  • Exams and consultations with doctors prior to childbirth

  • Routine examination

  • Surrogacy

  • Hospital financial assistance

Online Claim

You can begin the claim process online or at any of the insurance company’s registered offices within 30 days of discharge. You must complete a claim form and include all relevant documentation.

The insurance provider will handle the final settlement with the hospital at the time of discharge if your cashless claim is approved, and once that is done, you are good to go.

Offline Claims

The insurance company will settle claims in accordance with the terms and conditions of the policy based on the claim form and any supporting documentation.


  • PAN numbers, driver’s licenses, and other identity documents

  • Any official document that serves as proof of age

  • Proof of address

  • Medical certification is required for some plans

The United India Family Medicare Plan for pregnancy Claim Procedure

If you are hospitalized, you must notify the insurer or TPA at the address listed in the United India Insurance policy documents, or send a claim request to them:

  • Within 24 hours following any emergency hospitalizations, the insurance provider must be contacted.

  • Once a claim has been notified, collect the claim form. Within 15 days of being discharged from the hospital, send the Third-party Administrator the completed claim form with all the necessary information along with the hospital records.

  • The policyholder must submit a pre-authorization cashless form through the hospital to the third-party administrator for all cashless hospitalizations.

  • Following the submission of the pre-authorization form, no further notification is necessary.

  • You must provide documentation for all reimbursement claims pertaining to hospitalization costs incurred within 15 days of hospital discharge.

Restoration of Insured Amount

  • When a subsequent claim during the policy year causes the base sum insured to be depleted, this add-on provides a restore of the sum insured equal to 100% of the base sum insured.

  • According to the terms and conditions outlined in the policy document, you will automatically and immediately receive the benefit for a specific policy term. When you buy your policy, you can choose to add this option.

Daily Cash Expenses for Hospitalization

  • You can purchase this add-on to receive daily cash benefits for each consecutive and completed period of 24 hours of hospitalization.

  • The benefit will be Rs. 500 per day up to Rs. 5,000 per policy period for sums insured up to Rs. 5 lakh, Rs. 1,000 per day up to Rs. 10,000 per policy period for sums insured between Rs. 5 lakh and Rs. 15 lakh, and Rs. 2,000 per day up to a maximum of Rs. 20,000 per policy term for sums insured between Rs. 15 lakh and Rs. 25 lakh.

Coverage for Newborn Babies and Maternity Costs

  • With this add-on, you will have coverage for in-patient hospitalization costs associated with birth, including C-sections, or with a legal, medically-assisted termination of pregnancy during the policy’s term for up to two deliveries or terminations, or for either throughout the insured’s lifetime.

  • However, keep in mind that you can only take advantage of this benefit if you choose a policy with an insured amount greater than Rs. 3 Lakh. In accordance with the terms and conditions, it also covers expenses for newborn babies from the first day of life until 90 days of age for in-patient hospitalization.

TAX advantages

You are able to receive care without having to pay out-of-pocket at any of United India’s thousands of network hospitals located all over the country. You can seek reimbursement, though, if you receive care at a hospital that is not in the network. After receiving all required documentation, United India aims to resolve claims within 15 days. Additionally, the plan includes the following:

  • Section 80D of the Income Tax Act’s tax savings

  • Continual and hassle-free policy renewal for the rest of your life

  • There is a 15-day free look period during which you can review the policy’s terms and conditions.

  • 30 days of grace if the policy renewal date passes

Use the free-year benefit.

The main causes of medical emergencies are our poor eating habits, high pollution levels, and sedentary lifestyle. For this reason, it’s essential to have health insurance for both you and your family. Your emergency medical costs are covered by a plan like Family Medicare Policy. With this policy in place, you will be free to receive high-quality medical care without worrying about the cost.

Eligibility for United India Family Medicare Plan for pregnancy

Women need to be between the ages of 18 and 80 in order to be covered under the Family Medicare policy. However, parents can also be covered for children between the ages of 3 months and 18 years.

Review for United India Family Medicare Plan for pregnancy

United India’s Family Medicare Policy is the option to choose if you’re looking for health insurance to protect your family and yourself. It is a type of insurance policy that covers hospitalization and medical costs resulting from an illness, accident, or injury. It is a one-for-all policy that can be purchased individually or as part of a family floater. You can get your family covered under a single sum insured with the policy in hand. The Family Medicare Policy, which is renowned for being inexpensive, is an option for those seeking insurance without sacrificing the standard of care due to a lack of funds.


Major draws covered by the policy include:

  • Rent, boarding, blood transfusions, IV fluids, and other daily expenses can total up to 1% of SI.

  • Intensive Care Unit (ICU) expenses may not exceed 2% of SI per day. If received in a government hospital or another facility authorized by the government, ayurvedic treatment

  • After three consecutive years without a claim, there is a 3% claim discount.

  • Coverage for cataract, hernia, hysterectomy, and major surgeries, plus a medical examination up to 1% of SI once every three claim-free years.

  • After a 48-month waiting period, pre-existing disease coverage is available.

Additional family members add advantage and their details

This United India policy, which offers policyholders a variety of sum insured options, provides extensive coverage, including pre- and post-hospitalization, daycare treatment, remote medical second opinions, add-on covers like hospital cash benefits and ambulance service, as well as inpatient treatment expenses like fees for doctors, surgeons, and other medical practitioners; costs associated with operating rooms; room rent costs; board costs, etc.

How do I file a claim for reimbursement under one of United India Insurance’s health insurance plans?

You must adhere to the steps outlined below to process reimbursement claims under United India Insurance plans:

  • Hospitalize in a non-network hospital and notify United India Insurance or the TPA of your hospitalization at least 72 hours before your admission if it’s planned, and within 24 hours of your hospitalization if it’s an emergency.
    • Take advantage of the necessary medical care and cover the cost on your own dime.
    • Send the necessary documentation, such as payment receipts from doctors and surgeons, to United India Insurance.
    • The insurance provider will then check your paperwork.
    • The insurer will approve your claim and reimburse you for the costs incurred during the course of the treatment if the claim is submitted in accordance with the terms and conditions of the policy.


Family Medicare Policy is a great option for investing in health insurance because it includes two add-on benefits: hospital daily cash benefits of up to Rs. 250/Rs. 500 per day with a maximum of Rs. 2500/Rs. 5000 per hospitalization, and ambulance charges up to a maximum of Rs. 2500 per policy period. The policy also covers the costs of surgical devices, dialysis, medications, chemotherapy, radiotherapy, prosthetic devices, artificial limbs, pacemakers, pertinent diagnostic tests, and other similar expenses.


What exactly is covered by the Family Medicare Policy?

United India Insurance’s Family Medicare Policy offers coverage for a variety of otherwise difficult-to-manage costs, including inpatient hospitalization, daycare procedures, pre- and post-hospitalization costs.

What types of coverage are offered by the Family Medicare Policy?

Family Medicare Policies can be purchased on a family floater basis, covering every member of the family for a single sum insured, as the name implies.

What is the range of the family Medicare policy’s sum insured?

For a family, the Family Medicare Policy’s sum insured can range from Rs. 2 Lakh to Rs. 10 Lakh. According to the option selected by the insured, policyholders who already have coverage for Rs. 1 lakh and Rs. 1.5 lakh will have their coverage continued at the same level. Be aware that the sum insured slabs range from Rs. 50,000 to Rs. 5 lakh in multiples, and from Rs. 5 lakh to Rs. 10 lakh.

What does “Family Medicare Policy” mean in terms of policy?

Family Medicare Policy’s coverage period is one year.

Is the Family Medicare Policy able to cover children?

Yes! Children who are dependent can be covered from 3 months to 18 years old. The requirement is that one or both parents must be simultaneously covered under the policy. If they are unmarried, unemployed, and dependent, children over the age of 18 may be covered along with the parents.

Does the Family Medicare Policy pay for expenses incurred by organ donors?

All hospitalization costs (with the exception of any organ costs, if any) incurred by the donor in connection with an organ transplant for the insured are covered by the Family Medicare Policy.

Does the Family Medicare Policy cover in-home hospitalization?

No, the Family Medicare Policy does not cover hospitalization at home.

Does the Family Medicare Policy offer any renewal benefits?

Yes! After three consecutive years without a claim on the renewal premium and for each additional year of claim-free service, up to a maximum of 15%, a policyholder becomes eligible for a No Claim Discount of 3% when purchasing a Family Medicare Policy. If there are no claims made during the block, the costs of a health check-up will be reimbursed once every three consecutive years of insurance, up to 1% of the average sum insured of the prior three policies.

Does the Family Medicare Policy offer tax advantages?

Yes, policyholders may receive a tax rebate in accordance with Section 80D of the Income Tax Code.

Who should purchase a woman’s health insurance plan from United India?

The United India Family Medicare Plan for pregnancy is designed for women who want to protect both their health and their financial future in the event of an anticipated medical emergency. Therefore, United India’s Family Medicare Policy will assist you in insuring both yourself and your family if you are a woman concerned about your health.

Can I modify the sum assured while I have United India Woman Health Insurance?

It is advised to wait until the time for the policy renewal to come in order to make changes to your Family Medicare Policy, United India’s woman health insurance policy, sum insured amount. Just keep in mind that United India and other health insurance providers do not permit any changes to policies while they are still in effect.

Is a pre-acceptance medical examination necessary under this policy?

Yes. All members enrolling after the age of 60 may, at the insurance company’s discretion, be required to undergo a pre-acceptance medical examination.

What are the advantages that United India Insurance’s health insurance plans offer to women?

Here are some advantages that women can take advantage of through United India Insurance’s health insurance plans. –

Second opinion on health Daycare procedures are covered

1. Pre-hospitalization coverage for 30 days
2. Post-hospitalization coverage for 60 days
3. Coverage for hospital stays for patients
4. Additional benefits for ambulance fees and daily hospital payments